11878 Gardenia AVE, Naples, FL, 34120 | $1,125,000

One or more photo(s) has been virtually staged, AI generated or rendered. Fully furnished and move-in ready. This upgraded "Pearl" model in Valencia Trails, a gated 55+ community in highly desirable North Naples, includes the features buyers ask for most: a 3-car tandem garage with A/C and epoxy floors, a custom stainless steel outdoor kitchen, impact glass, and high-end finishes throughout.
A glass front door with sidelight and transom window opens to a 14-foot foyer with picture frame wainscoting. The great room has eastern exposure, walls of windows, and white tile flooring that keep it bright. The layout is 2 bedrooms plus a den, 2 full baths, and a powder room, with 10-foot ceilings, 8-foot doors, and a corner bump-out that extends the living space out to the covered lanai.
The kitchen has quartz countertops, stainless steel appliances, and European-style 42-inch high-gloss cabinetry — the builder's top cabinet level. Level 5 rectified 24x24 tile runs throughout, with no carpet anywhere. Custom-trimmed tray ceilings and zebra blinds finish the interior. The owner's suite looks out over the landscaped backyard and has his-and-her closets with custom built-in organizers. The home has impact glass on the front and brand-new motorized hurricane shutters over the rear lanai and owner's suite windows.
The 3-car tandem garage is air-conditioned with epoxy-finished floors — ideal for a sports car, motorcycles, golf cart, or workshop. Out back, a custom stainless steel outdoor kitchen with a natural gas grill, side burners, sink, and storage drawers sits on a paver patio. Mature palms and bougainvillea screen the yard for privacy.
Valencia Trails has a 43, 000-square-foot clubhouse, resort and 70-foot lap pools, an on-site restaurant, fitness center, social hall, pickleball, tennis, bocce, a dog park, and more than 3 miles of trails across 160 acres of preserve.
A must see!

Features

  • Amenities: Beauty Salon,Bike And Jog Path,Billiards,Bocce Court,Cabana,Clubhouse,Community Pool,Community Spa/Hot tub,Dog Park,Exercise Room,Fitness Center Attended,Full Service Spa,Hobby Room,Internet Access,Pickleball,Restaurant,Sidewalk,Streetlight,Tennis Court,Theater,Underground Utility
  • Rooms: 7
  • Bedrooms: 2
  • Baths: 2 full
  • Style: 1 Story/Ranch
  • Development: VALENCIA TRAILS
  • Year Built: 2022
  • Garage: 3-car Attached
  • Heating: Central Electric
  • Cooling: Central Electric
  • Approx Sq. Feet: 2,250
  • Acreage: 0.27
  • Est. Taxes: $7,997
  • HOA Fee: $1,611 Quarterly
  • Lot Desc: Corner,Oversize
  • View: Landscaped Area,Pond
  • Community Type: Gated,Tennis
  • Pet Policy: Limits
  • MLS#: 226019669
  • Website: https://www.raveis.com
    /eprop/226019669/11878gardeniaave_naples_fl?source=qrflyer
Copyright © 2026  The source of this real property information is the copyrighted and proprietary database compilation of the Southwest Florida MLS organizations Copyright Southwest Florida MLS organizations. All rights reserved.
Courtesy of Realty One Group MVP

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Our Insurance Division:

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11878 Gardenia AVE, Naples, FL, 34120

$1,125,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $900,000 $900,000 $900,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.125% 6.375% 6.125%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.399% 6.475% 6.309%
Monthly Tax Payment $666 $666 $666
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $5,468 $5,615 $7,656
Total Monthly Payment $6,259 $6,406 $8,447

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.